Determinants of BUMN Employee Financial Management Behavior in Surabaya

Abstract

The purpose of the research was to determine the effect of personal income, financial knowledge, self control and financial attitude on financial management behavior, the effect of self control, the effect of financial knowledge on financial attitude, the ability of financial attitude to moderate the effect of financial knowledge on financial management behavior, and the ability to age in moderating the effect of financial attitude on financial management behavior. The research was conducted using a quantitative approach, with a total sample of 243 BUMN employees in Surabaya being observed. The data analysis technique was performed using the SmartPls Structural Equation Model (SEM). The results showed that personal income and self control had a significant positive effect on financial management behavior,

Keywords: personal income, financial knowledge, self control, financial attitude, age, financial management behavior.